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One Llama Token (OLT): Revolutionizing Auto Collision Coverage
We are launching OLT to fuel our fight against the auto insurance industry and high auto premiums! No more Delay, Deny and Defend! We want a better plan to get our safe drivers back on the road! Join a community that is by the people for the people!
Join Mutuality
The History of Mutuality

1

Ancient Times
Communities formed mutuality programs to share and cover losses. Trust was built on personal relationships, with low costs and decentralized management.

2

Industrial Revolution
As groups grew larger, professional managers were hired, leading to the modern insurance industry. This solved scalability issues but introduced new limitations.

3

Internet Era
Online platforms revived mutuality concepts, reducing costs and improving member growth. However, true ownership and decentralization remained elusive.

4

Blockchain Era
GoMutualOne Llama leverages blockchain technology to create a truly decentralized, transparent, and member-owned mutuality protocol.
Problems with Modern Insurance
High Costs
Insurance is criticized for being expensive, with high friction costs (37% of premiums) and misaligned incentives leading to increased loss costs.
Perceived Unfairness
Less than 6% of policyholders file claims annually, leaving many feeling they've spent money without benefit. This leads to high rates of uninsured drivers.
Lack of True Ownership
Mutual insurance companies claim policyholder ownership, but members have little opportunity to exercise ownership rights or receive dividends.
One Llama: How It Works
One Llama aims to build a blockchain-based decentralized mutuality protocol offering a revolutionary alternative to auto collision insurance. Our vision is to reduce costs and human involvement through smart contracts.
1
Member Pledges
Members deposit stablecoins as a pledge donation to cover potential accident losses within the community.
2
Smart Contract Management
A set of smart contracts execute donations based on protocol rules, ensuring transparency and efficiency.
3
Contribution Rewards
Members earn OLT for good driving behavior, referrals, and community participation.
Governance and Community Ownership
Decentralized Decision-Making
One Llama aims to be fully decentralized, with all members having a say in the project's direction. Governance token holders can submit proposals and vote on key decisions.
Transparent Operations
Smart contracts and blockchain technology ensure full transparency in all protocol operations, from donations to token distributions.
Service and Claims Process

1

Report Damage
Members report eligible damage through One Llama's claims number

2

TPA Verification
Third-Party Administrators verify eligibility, validity, and loss amount within 24 hours.

3

Donation Disbursement
Verified losses are covered by weekly sharing disbursed directly to the repair shops.
Join the Future of Auto Protection

Cost-Effective
Potential for significant cost savings compared to traditional insurance.

Community-Driven
Be part of a decentralized network that rewards good driving and mutual support.

Transparent
Blockchain technology ensures full visibility into all protocol operations.

Innovative
Experience the cutting edge of decentralized finance and community-driven protection.
One Llama Token (OLT) Supply
OLT has a fixed supply of 100,000,000,000 OLT tokens. The allocation is designed to incentivize all participants in the ecosystem, including good drivers, users who refer new members, TPAs, and the One Llama team and foundation.
Token Allocation
· Good Driver Reward: 30%
  • Reserved for rewarding drivers who demonstrate safe and responsible driving behavior.
· Referrals: 20%
Allocated to users who refer new members to the One Llama platform. Additional bonuses are available for referring safe drivers.
· Third-Party Administrators (TPAs): 3%
Incentives for TPAs who perform vehicle repairs and maintenance within the One Llama network. Higher rewards are given for customer satisfaction and timely service.
· Staking & Governance: 10%
Reserved for staking rewards and enabling users to participate in platform governance. This allocation empowers the community to vote on key decisions and propose improvements.
· Team & Investors: 12%
Allocated to the founding team, advisors, and early investors who contribute to the development and growth of One Llama. Tokens are subject to vesting periods to align with long-term success.
· One Llama Foundation: 15%
Dedicated to supporting community initiatives, research, and development to ensure the sustainable growth and innovation of the One Llama ecosystem.
· Liquidity Pool: 10%
Reserved to provide liquidity for exchanges and ensure stable trading of the OLT token.
Burning Policy
To maintain the integrity and sustainability of the One Llama ecosystem, a token burning mechanism is implemented for users who demonstrate repeated risky driving behavior:
· Disqualification for Risky Drivers:
  • Users who have been involved in 2 or more at-fault accidents will no longer be eligible to participate in the One Llama protocol. This measure is in place to protect the community and ensure that rewards are allocated to responsible drivers.
· Burning Process:
The One Llama Meme coin that would have been allocated to these disqualified users will be permanently removed from circulation. This token burning process will reduce the total supply of OLT, ensuring that the value of the remaining tokens is preserved for responsible members of the community.
· Impact on Ecosystem:
By implementing this policy, One Llama aims to maintain a high standard of driving behavior within the community and create a more equitable distribution of rewards for those who contribute positively to the network.